Doubts/Concerns I have and trying to understand further: 1. Are SPVs a "thing" in Scotland? Yes 2. Am I likely to get a mortgage on a newly set up Ltd Co/SPV with no fixed income myself. Difficult Could the capital on the existing properties with my spouse be taken into consideration for s...

If it was a joint mortgage with Mum and you are now all leaving home, Mum may be able to claim SMI (support for mortgage interest) which is the benefit for owners in the same way that renters can claim housing benefit. Your problem may be persuading the lender to continue the mortgage beyond its cur...

There are products that will allow you to release equity now. This one was mentioned in the Sunday Times recently: <a href="https://familybuildingsociety.co.uk/Mortgages/retirement-lifestyle-booster/retirement-lifestyle-booster-home.aspx" rel="nofollow">https://familybuildingsociety.co.uk/Mortgages/...

The short answer is 20% initial offer, but no harm in negotiating a monthly repayment plan, the offer from a third party to clear it can come at any time. In fact once you can establish that all you can afford is a small monthly repayment, they are more likely to agree to a lump sum payment.

As it happens I have a friend who is a GP and recently finished a 4 month course of chemo. The practice had insurance that covered the practice employing locums to cover all the shifts after the first 3 weeks. There was no loss of income. Being a GP means no patient contact during chemo to avoid ger...

“ @manbecause I'm in the same situation. Mortgage broker says very difficult and only decent offers are from my existing mortgage provider but the rate is (at a minimum) 0.2% more than I'm paying now. #nothappy <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=72176675#post721...